Auto Refinance Loan

Reset and lower your car or truck payments with the our competitive auto refinance rates

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A Civic Credit Union member drives away with a better rate after refinancing her auto loan with the credit union.

Affordable

Auto loan rates as low as 6.50% APR¹

Quick

Application is easy, streamlined

Savings

Lower rate could keep more money with you

Refinance to lower your car payments, save hundreds

Why overpay for a car loan? When you refinance at a lower rate, you can get lower payments that save you money to spend in other ways. You could save hundreds of dollars by refinancing your auto loan. Make your car or truck loan payments more affordable with our competitive rates.

Refinancing your auto loan is quick, easy and flexible. Keep the car payment schedule or pay it off early with no penalties (just applause). And if you need extra cash now, consider the cash-out refinance option. Use the loan calculator to see how an auto loan refinance could lower your payments and save you money.

Couple driving in their car knowing they have lowered their payment by refinancing their car loan with Civic Credit Union.

Terms

Make your auto loan work for you

Up to 84 months, depending on vehicle age, on dealer purchases or financed by another company
New vehicle maximum mileage up to 10,000
Refinance rates as low as 6.50% APR¹
Used vehicle maximum mileage up to 120,000

Features

Fast and easy vehicle financing

Use the Civic app² to apply
Quick pre-approvals for auto refinance
No pre-payment penalties
Use this loan to reset your debt

You deserve a low refinance rate

Apply for an Auto Refinance Loan to save money with a lower rate.

apply today

Used Auto Loan

Rates

0	Term	APR¹	Vehicle Age	Mileage
1	Up to 60 months	As low as 6.50%¹	Up to 1 year	Up to 10,000 miles
2	61-72 months	As low as 6.75%¹	Up to 1 year	Up to 10,000 miles
3	73-84 months	As low as 7.25%¹	Up to 1 year	Up to 10,000 miles
4	85-96 months	As low as 8.25%¹	Up to 1 year	Up to 10,000 miles

Effective Date: 11/14/2024

How much vehicle financing can you afford?

Know before you go! Test drive how a new auto loan or refinance could impact your budget. Find out how much vehicle you can afford and what your monthly payment could be.

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^*The Auto Loan Calculator is provided for informational purposes only. Taxes and charges are not included in your estimated amount. Final finance amount may be different.

Life is digital

So are these everyday financial tools

Totaled car that is fully insured by Civic Gap+ insurance.

Protect yourself if your car gets totaled

Civic Credit Union app graphic that displays the budgeting tool available to you as a member.

See your Civic and non-Civic accounts in one place

Graphic of bills that shows how easy it is to use bill pay.

Pay bills from anywhere or schedule them in the app

New Auto Loan

Get our best auto loan rates to make your new car or truck loan payments affordable.

Vehicle rates as low as 6.50% APR¹
Finance dealer purchases up to 96 months (8 years)
Quick and easy pre-approvals
Apply for a new auto loan or refinance an existing one

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Personal Loan

The Personal Loan gives you fast approval for a lump-sum deposit into your Select Savings or Bonus Checking Account. Break large expenses into affordable payments or consolidate high-interest debt with a lower rate.

Fixed principal and interest payments
Term lengths from 12 to 60 months
No origination or application fees

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You know the details matter (and you are in good company)

Here are a few FAQs

Can I refinance my car loan from another lender?

Yes, you can. Civic would pay off your external lender, and you would begin making payments to Civic.

How long does my pre-approval last?

Pre-approvals are good for 30 days.

What do I do if I’m at the dealership?

Apply online at civicfcu.org OR Contact us at 1-844-772-4842. The Experience Center is available 24/7, including holidays. If you’ve been approved, we will work with you and/or your dealer to complete your financing.

What if I’ve been approved by another lender?

Even if you have been approved by another lender, you can still apply and be approved by Civic.

Do I have to make a down payment?

Civic only requires down payments if there are LTV (loan-to-value) issues or, sometimes, if there are credit issues.

What if I need to increase my pre-approval amount?

Contact us at 1-844-772-4842 or email us at lending@civicfcu.org.

Where do I send my Civic loan payments?

Whether you mail your loan payments to us directly, or use an external bill paying service, the payment address is:
Civic Credit Union
PO Box 71204
Charlotte, NC 28272

This address is for payments to Civic Personal Loans, Auto Loans, Personal Lines of Credit, and Home Equity Lines of Credit (HELOCs).

Please note: This address is not for Civic credit card or mortgage payments, or for any commercial loans you may have with us.

View All FAQs

Apply for an Auto Refinance Loan and make your car loan more affordable

Why overpay for a car loan? When you refinance at a lower rate, you get lower payments that can save you money. You deserve lower payments!

apply today

1 APR = Annual Percentage Rate. Subject to approval. Rates and credit limit based on member’s credit history. Borrowers must be at least 18 years old and live in NC, SC, GA or VA. Vehicles with branded (flooded, salvaged or reconstructed) titles or motorcycles, boats, RVs and commercial vehicles are not acceptable collateral. A new vehicle is defined as less than 1 year old with maximum of 10,000 miles at loan origination; vehicle value based on MSRP. Eligible used vehicles are defined as 14 years or less with maximum of 120,000 miles at loan origination; vehicle value determined using J.D. Power data. Minimum loan is $1,000; maximum loan is $100,000. Maximum term for vehicles 10 to 14 years is 60 months; for vehicles 10 years and less, maximum refinance term is 84 months. Exceptions for vehicles older than 14 years are at the discretion of Civic. Collision and comprehensive insurance required for duration of loan. Payment example, excluding insurance:

2 Message and data rates may apply.